A plan for today, tomorrow and generations to come

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Rich’s career journey began when his interest was sparked by a college course in Money and Banking. This curiosity grew into a lifelong passion for helping individuals and families build, preserve, and transfer wealth. After earning his Economics degree from Allegheny College in 1985, Rich joined Paine Webber, beginning his four decade career of crafting customized strategies that support clients' long-term financial well-being.

During his time as a financial advisor, Rich advised clients through a variety of market environments—from the 1987 crash and the tech boom of the 1990s to the post-9/11 era, the 2008–2009 financial crisis and the economic uncertainty of the Great Recession. This breadth of experience gives Rich the ability to provide tailored guidance on building wealth and future income streams, customized to each client’s personal situation.

In addition to holding the Series 7 and 66 securities licenses, Rich is licensed in life, health, and long-term care insurance. He also earned the CERTIFIED FINANCIAL PLANNER™ designation in 2004, demonstrating his daily commitment to patience, understanding, empathy, and helping clients build and maintain confidence in their financial future.

Rich has served as President of the Orange Chamber, Chair of the Milford YMCA Board,  President of the Paugussett Pool and Tennis Club Board.  Rich currently serves on the Orange VNA Board and the Orange Rotary Board of Directors serving as Turkey Trot Race Director annually.

Precious spare time is spent with family, friends and fitness as well as maintaining perennial gardens and raising vegetables and if time allows a game of squash weekly. 

• Allegheny College, Economics

• CERTIFIED FINANCIAL PLANNER®

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For more than 25 years, Dick has successfully helped clients manage their wealth through a number of volatile market cycles.  With a Ph.D. in Business specializing in financial management and behavioral finance, Dick focuses on portfolio management which includes analyzing companies in-depth before investing and importantly, allocating uncorrelated assets within a market cycle to minimize the portfolio’s volatility.  Dick tailors each portfolio to each client's specific risk profile and needs. In particular, Dick constructs portfolios that provide increasing income for those investors who are retired in order to hedge against inflation. 

 When not monitoring the global financial markets, Dick, as an adjunct professor, enjoys teaching graduate school students finance courses including principles of investments, portfolio analysis and management, and managerial finance with a focus on business ethics and a Christian worldview.  As an extension of helping young people in a different venue, Dick for decades has reached out to inner-city kids by instructing them on the importance of family values and complemented this effort by being  involved with a number of charities.

 Before managing portfolios, Dick, with undergraduate and graduate degrees in materials science, conducted research and development in advanced alloys and advanced metallurgical processes for over a decade.  This quantitative and mathematical foundation has helped Dick understand the inner workings of the market and allowed him to help his clients to manage the volatility of the market.  By being an integral member of the EngZorena Wealth Consulting Group, Dick's expertise along with the teams' certified wealth planning strategists, provide their clients an unparalleled team approach to private wealth management. 

• Portfolio Manager

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Wiktor Woźniak joined UBS Financial Services Inc. in January of 2018 as a Wealth Planning Analyst, where he supported Financial Advisors in the Hartford, Westport, New London, New Haven, CT and Springfield, MA offices, helping develop comprehensive plans for each client based on his or her goals, concerns, and unique situations. 

Wiktor is a graduate of Fairfield University with a B.A. in International Relations and a minor in Political Science. He began his career in financial services with AXA Advisors, LLC, as a Financial Consultant. He holds the Series 7 and Series 66 securities licenses, as well as life, accident & health insurance licenses. Additionally, Wiktor is an Accredited Wealth Management Advisor, a Certified Exit Planning Advisor, and has earned the CERTIFIED FINANCIAL PLANNER™ certification, which attests to his dedication to providing each of his clients with wealth planning strategies that are developed according to his or her individual needs and goals.

With a deep interest and knowledge in world affairs, languages, renewable energy, and technology, he adds an important dimension to the financial planning process. Wiktor currently resides in Milford, CT. He enjoys foreign travel, hiking, camping, sailing, beach volleyball, and reading.

• Accredited Wealth Management Advisor℠
• Certified Exit Planning Advisor
• CERTIFIED FINANCIAL PLANNER®

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As a Wealth Strategy Associate and a Certified Divorce Financial Analyst® at UBS, Joan brings a unique blend of experience, insight, and empathy to every client interaction. She is passionate about helping individuals and families find clarity and confidence in their financial lives.

Her path into finance began with a strong foundation in business. At 24, Joan became a clothing buyer at Ames Store, managing a large budget, tracking sales, creating marketing plans, and leading a team.  After taking time off to raise her family, she returned to the workforce —first as a top performing realtor with an exemplary sales record, then moved into mortgage financing before joining New York Life, where she attained her life, health, and accident insurance license and enjoyed providing solutions to the deep financial challenges people can face.

Driven by a desire to make a lasting impact, Joan joined a UBS Wealth Planning team in 2014 as a Wealth Strategy Associate. In her current role, she supports the development of personalized wealth management strategies, helps lead marketing and outreach efforts, and is deeply committed to delivering exceptional client service.  Always a life-long learner, her 2018 designation as a Certified Divorce Financial Analyst® enhances her ability to provide thoughtful guidance to clients navigating the immediate and long-term financial complexities of divorce. Joan also obtained her Series 7, 66.

Outside of the office, Joan has served on several local executive boards, including the Orange Chamber of Commerce, Orange Lions Club, Turkey Hill School PTA, and the Sacred Heart Academy Advisory Board, of which she is an alum. When she’s not working with clients or collaborating with her team, you’ll find her in the garden with the family dog, Aine, cooking a new recipe, or on the tennis court.

• Certified Divorce Financial Analyst